Credit Analyst

Abu Dhabi Islamic Bank PJSC; Abu Dhabi; On-site; AED 180,000 - 320,000; Full time

Job summary

Abu Dhabi Islamic Bank PJSC is seeking a Credit Analyst for Home Finance in Abu Dhabi. You will review loan applications, analyze bank statements and financials, and ensure compliance with ADIB policies to support timely decisions.

The role requires strong Arabic and English communication, 3+ years in banking, and solid credit analysis skills. You will contribute to portfolio quality and adhere to daily targets in a dynamic banking environment.

Qualifications

• Minimum 3 years of practical banking experience, preferably in finance and credit.
• Detailed knowledge of Retail Banking credit products and services.
• Broad knowledge of UAE banking regulations, policies and risks.
• Strong command of Arabic and English, both written and spoken.
• Good computer skills and attention to document detailing.

Responsibilities

• Review credit applications for completeness and timely processing.
• Prepare error-free credit documentation and ensure data accuracy.
• Analyze bank statements for genuineness, turnover and potential manipulation.
• Assess applicant's financial statements and provide findings when required.
• Meet daily targets with minimal errors as per scorecard.
• Escalate complex cases with full analysis and recommendations.
• Maintain up-to-date knowledge of ADIB products, policies and procedures.
• Suggest system improvements and ensure policy compliance.
• Perform additional tasks assigned by Management.

Skills

Credit analysis

Analytical skills

Arabic & English

Banking knowledge

Computer skills

Job description

Role : Credit Analyst - Home Finance

Location : Abu Dhabi

Role Purpose:

Provide full support to branches and DSU’s by reviewing and processing proposed finance applications in a timely fashion and within approved polices.

Key Accountabilities of the role

• Examining credit Application for completeness and timeliness of information, noting exceptions for correction.
  • Preparation of error free credit docs
  • Vigilance in applying de-dupes
  • Observing agreed TAT.
  • Compliance policies and satisfactory RiskRating.
• Analyze Bank Statements so as assess its genuineness, continuity, business turnovers, cheque returns, average balances and to observe if there is any chance of artificial fabrication of such statements.
• Analyze applicant’s financial statements and comment on its findings (where required).
• Check customer’s status through de-dupes/CBRB.
• Meeting the minimum daily targets assigned by management while maintaining the lowest level of errors as measured by the score card.
• Escalate cases requiring higher DP with full analysis and recommendations to facilitate their decision making
• Demonstrate full and up to date knowledge of ADIB’s products, policies and procedures.
• Proactively and continually make and recommend system changes and enhancements, alsoensure that all procedures and policies are implemented and being followed in compliance with organization.
• Demonstrate full team spirit and positive attitude.
• Perform any other responsibilities entrusted by ADIB Management from time to time and any other task assigned by Management

RESULTS REQUIERD:

• Support business in achieving monthly budget & targets while maintaining highest quality portfolio
• Additional support to business in capturing customers within the acceptable parameters without violating CB regulations.
• Contribute positively in the daily underwriting activities
• Improve communication branches and DSU’s as being internal customers
• Provide constructive comments and feedback on proposed finance applications
• Compliance of policies & procedures – Comply and perform Key operational controls as required in ADIB’s polices & procedures in day to day operations

Specialist Skills / Technical Knowledge Required for this role:

• Good credit and analytical skills and knowledge
• Minimum 3 years of practical banking experience preferably in the finance & credit field
• Detailed knowledge of ADIB’s Retail Banking credit products & services
• Broad knowledge of ADIB’s Retail Credit & Operational Policies & Procedures
• Good Knowledge of UAE banking practices, regulations & risks
• Good Computer Skills
• Detailing of the documents
• Strong command of Arabic & English language

Job Info

• Job Identification 3721
• Locations Abu Dhabi, Al Rowdah, Shk Rashid Bin Saeed St. 313 ADIB New Headquarters Branch, Sh. Zayed Main Branch Abu Dhabi United Arab Emirates, Abu Dhabi, AE